Flagship review
Business loan cash-flow verification
A line-by-line review of operating cash, debt commitments and forecast assumptions before a loan application is submitted.
Who this review is for
This engagement suits South African owner-managed businesses applying for a term loan, asset finance or a working-capital facility. It is particularly useful where turnover is seasonal, several bank accounts are used, owner funding appears among receipts, or management accounts do not map neatly to bank movement.
The result
You receive a normalised 12-month cash-flow schedule and a signed findings memorandum. The memorandum records evidence reviewed, explains adjustments, lists unresolved exceptions and separates verified history from forecast assumptions. It supports an application; it does not promise credit approval or replace the lender’s assessment.
What we examine
- Twelve months of operating bank statements and relevant facility statements
- Management accounts, VAT returns and aged debtor or creditor reports
- A sample of material invoices and proof of recurring receipts
- Existing instalments, overdraft use, tax liabilities and owner drawings
- Forecast sales, gross-margin and working-capital assumptions
We do not conduct a statutory audit, value security, provide legal advice or negotiate the loan on your behalf.
How the engagement runs
- Scope call: a 30-minute conversation identifies the facility, entities and submission date.
- Evidence check: we issue a focused document list and confirm whether the file is complete.
- Reconciliation: receipts and payments are classified; unusual or unsupported items are queried.
- Stress test: cash available for debt service is tested against a lower-sales and slower-collection case.
- Close-out: findings are discussed before the final schedule and memorandum are released.
Prepare before the start
Provide legible PDF bank statements downloaded from the bank, not edited spreadsheets. Management figures should cover the same months. Explain transfers between related accounts and identify once-off capital introduced by owners. Never send card PINs, banking passwords or identity documents through the enquiry form.
Constraints and timing
The five-day period begins only when the agreed evidence pack is complete. Multi-entity groups, cash-heavy trading and reconstructed records may need a separately quoted scope. Where evidence cannot support a figure, the final memo will say so plainly.
Next step
Request a confidential scope call and tell us the facility type, requested amount, target submission date and number of trading bank accounts.